Our segment results were as follows for the three and nine months ended September 30, 2017 and 2016:





	Retail		Group and Specialty		Healthcare Services		Individual Commercial		Other Businesses			Eliminations/ Corporate			Consolidated
	(in millions)
Three months ended September 30, 2017
Revenues - external customers
Premiums:
Individual Medicare Advantage	$	8,077	$	—	$	—	$	—	$	—		$	—		$	8,077
Group Medicare Advantage	1,272		—		—		—		—			—			1,272
Medicare stand-alone PDP	921		—		—		—		—			—			921
Total Medicare	10,270		—		—		—		—			—			10,270
Fully-insured	121		1,370		—		224		—			—			1,715
Specialty	—		331		—		—		—			—			331
Medicaid and other	630		—		—		—		9			—			639
Total premiums	11,021		1,701		—		224		9			—			12,955
Services revenue:
Provider	—		—		60		—		—			—			60
ASO and other	2		140		—		—		1			—			143
Pharmacy	—		—		20		—		—			—			20
Total services revenue	2		140		80		—		1			—			223
Total revenues - external customers	11,023		1,841		80		224		10			—			13,178
Intersegment revenues
Services	—		5		4,339		—		—			(4,344		)	—
Products	—		—		1,572		—		—			(1,572		)	—
Total intersegment revenues	—		5		5,911		—		—			(5,916		)	—
Investment income	23		7		9		1		22			42			104
Total revenues	11,046		1,853		6,000		225		32			(5,874		)	13,282
Operating expenses:
Benefits	9,294		1,354		—		147		34			(187		)	10,642
Operating costs	1,081		385		5,726		49		3			(5,556		)	1,688
Depreciation and amortization	61		21		34		3		—			(25		)	94
Total operating expenses	10,436		1,760		5,760		199		37			(5,768		)	12,424
Income (loss) from operations	610		93		240		26		(5		)	(106		)	858
Interest expense	—		—		—		—		—			59			59
Income (loss) before income taxes	$	610	$	93	$	240	$	26	$	(5	)	$	(165	)	$	799





	Retail		Group and Specialty		Healthcare Services		Individual Commercial		Other Businesses			Eliminations/ Corporate			Consolidated
	(in millions)
Three months ended September 30, 2016
Revenues - external customers
Premiums:
Individual Medicare Advantage	$	7,977	$	—	$	—	$	—	$	—		$	—		$	7,977
Group Medicare Advantage	1,067		—		—		—		—			—			1,067
Medicare stand-alone PDP	1,004		—		—		—		—			—			1,004
Total Medicare	10,048		—		—		—		—			—			10,048
Fully-insured	109		1,350		—		882		—			—			2,341
Specialty	—		318		—		—		—			—			318
Medicaid and other	652		2		—		—		10			—			664
Total premiums	10,809		1,670		—		882		10			—			13,371
Services revenue:
Provider	—		—		69		—		—			—			69
ASO and other	2		147		—		—		1			—			150
Pharmacy	—		—		8		—		—			—			8
Total services revenue	2		147		77		—		1			—			227
Total revenues - external customers	10,811		1,817		77		882		11			—			13,598
Intersegment revenues
Services	—		5		4,741		—		—			(4,746		)	—
Products	—		—		1,580		—		—			(1,580		)	—
Total intersegment revenues	—		5		6,321		—		—			(6,326		)	—
Investment income	22		7		8		—		17			42			96
Total revenues	10,833		1,829		6,406		882		28			(6,284		)	13,694
Operating expenses:
Benefits	9,031		1,352		—		727		26			(236		)	10,900
Operating costs	1,143		421		6,073		144		4			(6,046		)	1,739
Merger termination fee and related costs, net	—		—		—		—		—			20			20
Depreciation and amortization	51		19		36		9		—			(29		)	86
Total operating expenses	10,225		1,792		6,109		880		30			(6,291		)	12,745
Income (loss) from operations	608		37		297		2		(2		)	7			949
Interest expense	—		—		—		—		—			47			47
Income (loss) before income taxes	$	608	$	37	$	297	$	2	$	(2	)	$	(40	)	$	902




	Retail		Group and Specialty		Healthcare Services		Individual Commercial		Other Businesses			Eliminations/ Corporate			Consolidated
	(in millions)
Nine months ended September 30, 2017
Revenues - external customers
Premiums:
Individual Medicare Advantage	$	24,735	$	—	$	—	$	—	$	—		$	—		$	24,735
Group Medicare Advantage	3,867		—		—		—		—			—			3,867
Medicare stand-alone PDP	2,787		—		—		—		—			—			2,787
Total Medicare	31,389		—		—		—		—			—			31,389
Fully-insured	357		4,098		—		754		—			—			5,209
Specialty	—		976		—		—		—			—			976
Medicaid and other	1,954		—		—		—		28			—			1,982
Total premiums	33,700		5,074		—		754		28			—			39,556
Services revenue:
Provider	—		—		193		—		—			—			193
ASO and other	6		444		—		—		5			—			455
Pharmacy	—		—		58		—		—			—			58
Total services revenue	6		444		251		—		5			—			706
Total revenues - external customers	33,706		5,518		251		754		33			—			40,262
Intersegment revenues
Services	—		15		12,958		—		—			(12,973		)	—
Products	—		—		4,706		—		—			(4,706		)	—
Total intersegment revenues	—		15		17,664		—		—			(17,679		)	—
Investment income	72		25		25		3		64			127			316
Total revenues	33,778		5,558		17,940		757		97			(17,552		)	40,578
Operating expenses:
Benefits	29,017		3,952		—		389		95			(596		)	32,857
Operating costs	2,998		1,178		17,083		151		9			(16,725		)	4,694
Merger termination fee and related costs, net	—		—		—		—		—			(947		)	(947		)
Depreciation and amortization	176		63		103		10		—			(74		)	278
Total operating expenses	32,191		5,193		17,186		550		104			(18,342		)	36,882
Income (loss) from operations	1,587		365		754		207		(7		)	790			3,696
Interest expense	—		—		—		—		—			166			166
Income (loss) before income taxes	$	1,587	$	365	$	754	$	207	$	(7	)	$	624		$	3,530



	Retail		Group and Specialty		Healthcare Services		Individual Commercial			Other Businesses			Eliminations/ Corporate			Consolidated
	(in millions)
Nine months ended September 30, 2016
Revenues - external customers
Premiums:
Individual Medicare Advantage	$	24,054	$	—	$	—	$	—		$	—		$	—		$	24,054
Group Medicare Advantage	3,229		—		—		—			—			—			3,229
Medicare stand-alone PDP	3,058		—		—		—			—			—			3,058
Total Medicare	30,341		—		—		—			—			—			30,341
Fully-insured	319		4,044		—		2,799			—			—			7,162
Specialty	—		957		—		—			—			—			957
Medicaid and other	1,960		12		—		—			29			—			2,001
Total premiums	32,620		5,013		—		2,799			29			—			40,461
Services revenue:
Provider	—		—		214		—			—			—			214
ASO and other	5		500		1		—			7			—			513
Pharmacy	—		—		22		—			—			—			22
Total services revenue	5		500		237		—			7			—			749
Total revenues - external customers	32,625		5,513		237		2,799			36			—			41,210
Intersegment revenues
Services	—		17		14,292		—			—			(14,309		)	—
Products	—		—		4,373		—			—			(4,373		)	—
Total intersegment revenues	—		17		18,665		—			—			(18,682		)	—
Investment income	68		19		22		3			48			131			291
Total revenues	32,693		5,549		18,924		2,802			84			(18,551		)	41,501
Operating expenses:
Benefits	27,991		3,876		—		2,545			82			(688		)	33,806
Operating costs	3,294		1,278		17,989		465			12			(17,866		)	5,172
Merger termination fee and related costs, net	—		—		—		—			—			81			81
Depreciation and amortization	145		62		107		27			—			(78		)	263
Total operating expenses	31,430		5,216		18,096		3,037			94			(18,551		)	39,322
Income (loss) from operations	1,263		333		828		(235		)	(10		)	—			2,179
Interest expense	—		—		—		—			—			141			141
Income (loss) before income taxes	$	1,263	$	333	$	828	$	(235	)	$	(10	)	$	(141	)	$	2,038